Sunday, June 20, 2010

While Size Does Really Matter, So Does Your Driving History to Insurers.

While Size Does Really Matter, So Does Your Driving History to Insurers.:

Do you sometimes wonder why your car insurance seems so expensive? Do you secretly hate the government for requiring you to have one? Believe it or not, having no insurance at all is more expensive than paying insurance on a monthly basis. Statistics will tell you that there are at least 43,000 Americans who lose their lives yearly on road related accidents. If you are lucky enough to survive, complications like hospital bills and loss of income will come and haunt you before you can even celebrate your brush-with-death-experience.

Are you still thinking that your car insurance is costing you too much? If the answer is still a “yes”, there might be some factors you have overlooked that can be the reason for your premium to go up. Factors like the model of your car (is it a Volvo or an Audi) and your driving history (are there too many tickets?) already gives a car insurance company an estimated quote. They have a very simple logic actually, expensive cars will mean higher quotes and so does a bad driving history. The reason is because in case of accidents, the car insurance company will also have to pay for more.

You may not be aware of it but even your urban life is affecting the premium of your car insurance. Car insurance companies take into consideration the current residence of a potential client, whether or not you are from the city or the country. Country life is simple which means that there is a small chance of your car getting stolen, while city life on the other hand, means your car is more prone to theft and even vandalism.

Believe it or not, women always get much lower car insurance cost rather than men. This is because according to studies, women are the more careful drivers leaving the car insurance company at ease. Men on the other hand can’t help it but take their anger (because they get shy to cry a river like women do) on the road thus, leaving car insurance companies on their grip.

Size does matter to Godzilla and so does your age to car insurance companies. Well it’s not like saying they resemble Godzilla (maybe when the bills pile up) but not being in their safe age bracket (25-40) will cause you expensive car insurance. Being too young (less than 25 years of age) means you still have that zest for life and will not stop until you understand what drunk driving means. Being a bit old (above 50) to car insurance companies, means either you are already wearing glasses or your eye-hand coordination is not as keen as before, making you prone to accidents.

Sure, car insurance is expensive but so does your life and those of your loved ones. The good news is, there are ways to lower your premium. A good example is keeping a good driving history. Cars were created by humans to help them travel to places that seem beyond their reach and not perish in those places.

To fully understand your car insurance, visit Not only will the website provide you answers, it will also inform you about car insurance quote and auto insurance company as well.

While Size Does Really Matter, So Does Your Driving History to Insurers. is a post from: Free Articles Directory



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